# 1st Advantage Federal Credit Union CD and share certificate rates

As of October 22, 2026, 1st Advantage Federal Credit Union's highest tracked CD (share certificate) rate is 4.00% APY on an 8-month relationship CD ($500 minimum). That is 2.9 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 1.00% to 2.75% APY.

Canonical page: https://apyledger.com/cd-rates/1st-advantage-federal-credit-union
Institution: 1st Advantage Federal Credit Union (NCUA 7448)
Aliases: 
Status: live
Last verified: 2026-10-23T02:27:28.000Z (October 22, 2026)
Official source: https://www.1stadvantage.org/rates/
Coverage: Membership required. Share certificates from 4 to 60 months with a $500 minimum, including a 40-month certificate ($5,000) with a one-time bump-up option. The 8-month 4.00% APY requires direct deposit to a 1st Advantage checking account; without direct deposit the APY is 3.75%. IRA certificates are excluded. Early withdrawal penalties apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Share Certificate | special | 4 months | $500 | 3.50% | Not ZIP-priced | −0.89% | 2026-10-23T02:27:28.000Z | [Snapshot 894](https://apyledger.com/snapshots/894) |
| Share Certificate | special | 6 months | $500 | 1.20% | Not ZIP-priced | −3.20% | 2026-10-23T02:27:28.000Z | [Snapshot 894](https://apyledger.com/snapshots/894) |
| Share Certificate (with direct deposit) | relationship | 8 months | $500 | 4.00% | Not ZIP-priced | −0.45% | 2026-10-23T02:27:28.000Z | [Snapshot 894](https://apyledger.com/snapshots/894) |
| Share Certificate (without direct deposit) | special | 8 months | $500 | 3.75% | Not ZIP-priced | −0.70% | 2026-10-23T02:27:28.000Z | [Snapshot 894](https://apyledger.com/snapshots/894) |
| Share Certificate | special | 11 months | $500 | 2.85% | Not ZIP-priced | −1.69% | 2026-10-23T02:27:28.000Z | [Snapshot 894](https://apyledger.com/snapshots/894) |
| Share Certificate | standard | 12 months | $500 | 1.00% | Not ZIP-priced | −3.57% | 2026-10-23T02:27:28.000Z | [Snapshot 894](https://apyledger.com/snapshots/894) |
| Share Certificate | standard | 24 months | $500 | 2.75% | Not ZIP-priced | −2.12% | 2026-10-23T02:27:28.000Z | [Snapshot 894](https://apyledger.com/snapshots/894) |
| Share Certificate | standard | 36 months | $500 | 2.75% | Not ZIP-priced | −2.20% | 2026-10-23T02:27:28.000Z | [Snapshot 894](https://apyledger.com/snapshots/894) |
| Share Certificate | special | 40 months | $5,000 | 2.00% | Not ZIP-priced | −2.96% | 2026-10-23T02:27:28.000Z | [Snapshot 894](https://apyledger.com/snapshots/894) |
| Share Certificate | standard | 48 months | $500 | 2.75% | Not ZIP-priced | −2.23% | 2026-10-23T02:27:28.000Z | [Snapshot 894](https://apyledger.com/snapshots/894) |
| Share Certificate | standard | 60 months | $500 | 2.75% | Not ZIP-priced | −2.26% | 2026-10-23T02:27:28.000Z | [Snapshot 894](https://apyledger.com/snapshots/894) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.